POINTED
ActivePOINTED has been active since 2007 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €663k and a net result of €-92k. Equity is shrinking by ~5% per year across the filed fiscal years. Its solvency ranks better than 86% of 7921 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.5% (very low).
Checked score
Score 2025
60
/ 100
Healthy▲ +13 vs 2024
The score combines four axes. Every signal that weighs is under Signals.
Axes · tick = 2024
Profitability0=
Solvency100=
Growth32=
Stability100
Bankruptcy probability, 12 months
0.5%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €40k at 30 days acceptable
Liquidity ample (current ratio 4.62 against 2.49 in 2024), and 17.6% of the assets are financed with debt.
Credit advice for your own amount and term
Signals
Eight signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Long track record
A company with a long track record statistically fails less often than a young one.
KBO · incorporation dateAge against the risk zone
raises risk · Higher-failure-rate sector
In this sector companies fail more often than the Belgian average.
Gazette · bankruptcies per sector, NACE 46
Relative position
BE, all sectors
reference
Sector 46
higher
← fewer bankruptcies
more bankruptcies →
raises risk · Annual accounts: weaker financial profile
The latest annual accounts show a weaker profile in solvency, result or liquidity than companies that stay afloat.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
82.4%
Return on assets
-11.4%
Age of the figures
17 mo
raises risk · Persistent losses
Two consecutive loss-making years (2024 and 2025); equity fell accordingly. May indicate structural pressure on profitability.
NBB · annual accounts 2025Net result per financial year
19202122232425
2019 to 2025 · latest year -€92k
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
3 d early
2024
50 d late
2023
28 d early
2022
25 d early
2021
3 d late
2020
13 d late
2019
on the day
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today.
Companies Code · seven monthsPosition in the running window
31-03-2026 close14-09-2026 today31-10-2026 deadline
Financials · fiscal year 2025, abbreviated schema
Equity
€663k▼ 12.2%
2024 · €755k
2019: €977k
2020: €1.01M
2021: €1.09M
2022: €1.10M
2023: €1.06M
2024: €755k
2019 → 2025
Total assets
€805k▼ 28.5%
2024 · €1.13M
2019: €1.19M
2020: €1.24M
2021: €1.29M
2022: €1.22M
2023: €1.26M
2024: €1.13M
2019 → 2025
Net result
€-92k▲ 69.3%
2024 · €-300k
2019: €125k
2020: €35k
2021: €76k
2022: €7k
2023: €-40k
2024: €-300k
2019 → 2025
Working capital
€387k▼ 18.8%
2024 · €476k
2019: €559k
2020: €630k
2021: €737k
2022: €763k
2023: €762k
2024: €476k
2019 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€1.09M-€1.10M▲ 0.6%€1.06M▼ 3.7%€755k▼ 28.4%€663k▼ 12.2%
Operating result€131k-€37k▼ 71.3%€-21k€-280k▼ 1,205%€-70k▲ 75.0%
Net result€76k-€7k▼ 90.9%€-40k€-300k▼ 643%€-92k▲ 69.3%
Turnover and EBIT margin not published: the abbreviated schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result stays negative: a loss of €70k in 2025 against €280k in 2024; the loss shrinks.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €805k
Fixed assets
€311k▼ 5.7%
Current assets
€493k▼ 37.9%
Equity and liabilities €805k
Equity
€663k▼ 12.2%
Debt
€141k▼ 61.8%
The debt ratio falls from 32.9% to 17.6%: debt falls faster than equity shrinks.
Key figures and ratios
EBITDA
€-52k▲
2024 · €-239k
Cash flow
€-74k▲
2024 · €-259k
Solvency
82.4%▲
2024 · 67.1%
Current ratio
4.62▲
2024 · 2.49
Quick ratio
1.87▲
2024 · 0.86
Debt / equity
0.21▼
2024 · 0.49
ROE
-13.9%▲
2024 · -39.7%
ROA
-11.4%▲
2024 · -26.6%
Interest coverage
-2.23▲
2024 · -12.23
Debt
€141k▼
2024 · €370k
Debt ≤ 1 year
€107k▼
2024 · €319k
Debt > 1 year
€35k▼
2024 · €51k
Income taxes
€7▼
2024 · €166
Staff costs
€168k▼
2024 · €296k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.13M€805k▼
Fixed assets21/28€330k€311k▼
Tangible fixed assets22/27€326k€308k▼
Land and buildings22€243k€240k▼
Plant, machinery and equipment23€26k€24k▼
Furniture and vehicles24€58k€44k▼
Financial fixed assets28€3k€3k=
Current assets29/58€795k€493k▼
Stocks and contracts in progress3€522k€294k▼
Stocks30/36€522k€294k▼
Amounts receivable within one year40/41€116k€81k▼
Trade receivables40€103k€72k▼
Other amounts receivable41€14k€8k▼
Cash at bank and in hand54/58€145k€106k▼
Deferred charges and accrued income490/1€12k€13k▲
Equity and liabilities
Total equity and liabilities10/49€1.13M€805k▼
Equity10/15€755k€663k▼
Contributions10/11€1.06M€1.06M=
Capital10€1.06M€1.06M=
Issued capital100€1.06M€1.06M=
Reserves13€34k€34k=
Non-distributable reserves130/1€34k€34k=
Legal reserve130€34k€34k=
Profit (loss) carried forward14€-340k€-432k▼
Amounts payable17/49€370k€141k▼
Amounts payable after more than one year17€51k€35k▼
Financial debts170/4€51k€35k▼
Amounts payable within one year42/48€319k€107k▼
Current portion of amounts payable after more than one year42€16k€17k▲
Financial debts43€200k€0▼
Credit institutions430/8€200k€0▼
Trade debts44€46k€44k▼
Suppliers440/4€46k€44k▼
Advances received on contracts in progress46€0€19k▲
Taxes, remuneration and social security45€49k€19k▼
Taxes450/3€2k€156▼
Remuneration and social security454/9€47k€19k▼
Other amounts payable47/48€8k€8k▲
Income statement
Code20242025
Non-recurring operating income76A€6k€3k▼
Remuneration, social security and pensions62€296k€168k▼
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€41k€18k▼
Write-downs on stocks, contracts in progress and trade receivables: additions (reversals)631/4€16k€11k▼
Other operating charges640/8€8k€9k▲
Non-recurring operating charges66A€0-
Gross operating margin9900€81k€136k▲
Operating profit (loss)9901€-280k€-70k▲
Financial income75/76B€23€1k▲
Recurring financial income75€23€1k▲
Financial charges65/66B€20k€23k▲
Recurring financial charges65€20k€23k▲
Profit (loss) for the period before taxes9903€-300k€-92k▲
Income taxes67/77€166€7▼
Profit (loss) for the period9904€-300k€-92k▲
Profit (loss) for the period to be appropriated9905€-300k€-92k▲
Appropriation of the result
Profit (loss) to be appropriated9906€-340k€-432k▼
Profit (loss) brought forward from the previous period14P€-40k€-340k▼
Social balance
Average headcount (FTE)90874.62.8▼
The notes to these accounts (18 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · abbreviated schema
2024
20-12
NBB filing
Annual accounts filed
fiscal year 2024 · abbreviated schema · 50 days late
31-03
Financial
Weakest financial yearnet €-300k
Net result drops to €-300k, the lowest in the series; recovery starts the following year.
2023
03-10
NBB filing
Annual accounts filed
fiscal year 2023 · abbreviated schema
2022
06-10
NBB filing
Annual accounts filed
fiscal year 2022 · abbreviated schema
2021
03-11
NBB filing
Annual accounts filed
fiscal year 2021 · abbreviated schema · 3 days late
2020
13-11
NBB filing
Annual accounts filed
fiscal year 2020 · abbreviated schema · 13 days late
31-03
Financial
Equity above €1MEq €1.01M ▲3.6%
2 profitable years in a row build equity to €1.01M.
2019
31-10
NBB filing
Annual accounts filed
fiscal year 2019 · abbreviated schema
08-03
NBB filing
Annual accounts filed
fiscal year 2018 · abbreviated schema · 128 days late
08-03
NBB filing
Annual accounts filed
fiscal year 2017 · abbreviated schema · 493 days late
2016
31-10
NBB filing
Annual accounts filed
fiscal year 2016 · abbreviated schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
7 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Temse · 1 establishment unit since 2007
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Walgoedstraat 49140 TemseGround area
2,723 m²
Building footprint
1,236 m²
Volume, LiDAR
7,046 m³
Parcel 46025B0198/03A000, Flanders · tallest building 11.0 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
POINTED
since 20072.169.114.295
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 46025B0198/03A000 | Flanders | 2,722 m² | 1 · 1,236 m² | 10.9 m · 2 fl. |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Public money · subsidies and aid
Flemish government
2022 to 2025 · 2 entries · 941 EUR awarded · 941 EUR paid| Year | Entries | awarded | paid |
|---|---|---|---|
| 2025 | 1 | 41 EUR | 41 EUR |
| 2022 | 1 | 900 EUR | 900 EUR |
Schemes
Subsidie voor opleiding en advies voor kmo's en zelfstandigen (kmo-portefeuille)
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Of 1,299 companies in sector 46423 we hold annual accounts for 807. 493 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPublic limited company
Founded03-09-2007
Fiscal year end31-03
Activities, NACEBEL
46423Wholesale of clothing, excluding workwear and underwear
46495Wholesale trade
46424Wholesale trade
Sources
Crossroads Bank for EnterprisesNational Bank · 18 filingsAddress and cadastre registers
Data from official sources, last processed on 14-09-2026. Scores and ratios are computed by Checked and are not a credit decision.